You can file a chapter13 and receive a discharge so long as it has been 4 years since your chapter 7 was discharged. If less than that, you can still file a chapter 13 to stop a foreclosure, garnishment, or repossession, you will just not be eligible for a discharge. That means you would have to set up a chapter 13 plan to pay off your debt in full over a time period up to 60 months.